Horizon65 review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
For households mapping later life, Horizon65 is a retirement planning app that scans more than 160 providers. It links simulation tools with brokered funds, commodities and pension plans plus expert consultations.
Key facts
- Best for
- Households planning retirement through an app
- Regulators
- Bezirksamt Mitte von Berlin, Ordnungs- und Gewerbeamt, IHK Berlin↗
- Investor protection
- EU ICS up to EUR 20,000↗
- Legal entity
- Horizon65 GmbH↗
- Headquarters
- Germany↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Features
- Mobile app
- Pricing model
- No monthly fee
- Official website
- horizon65.com
Savings
Robo-advisors
- Portfolio types
- ESG↗
Personal insurance
- Provider type
- Broker↗
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- App simulation links current assets to retirement age and goals
- Brokers funds, commodities and pension plans in one place
- Scans more than 160 providers without provider affiliation
- Offers personalised recommendations plus expert consultations
Cons
- Centres long term retirement planning around defined goals
- App led service supported by expert calls
Who it suits
- Beginners starting long term retirement planning
- Experienced investors seeking personalised recommendations
- Households wanting a clear retirement forecast
Who should look elsewhere
- Traders focused outside retirement goals
How Horizon65 compares
Where Horizon65 is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Horizon65 do?+
Horizon65 focuses on long term retirement planning through simulation and brokered products. The app tracks assets already held for later life and models how present choices affect later outcomes.
Which investments does Horizon65 cover?+
Horizon65 brokers funds, commodities and pension plans and scans a wide market of providers. It presents the possible choices with strengths and drawbacks and stays unaffiliated with providers.
How does the retirement planning tool work?+
The app provides simulations of investment performance and also offers personalised investment recommendations. Users define a retirement age, set financial goals and then follow practical steps in the app.
What expert help is available?+
Guidance comes through consultation with experts who hold in depth market knowledge. They answer questions, explain suitable financial options and talk through the different scenarios available.
Where is personal data stored?+
Personal information is kept private through multiple security layers in continuously updated systems. All user data is stored in Germany in data centres certified to ISO 27001.
Sources
- horizon65.com/en checked September 26, 2026
Backs: Support channels
“Expert support available - Book a free video call - Request callback - Chat support”
- horizon65.com/en/about-us checked September 26, 2026
Backs: Headquarters, Portfolio types
“We are a Berlin-based digital company, Unter den Linden 24, 10117 Berlin, Germany”
- horizon65.com/en/contact checked September 26, 2026
Backs: Features, Legal entity
“Download our app and start gaining insight”
- horizon65.com/en/faq/horizon65/is-the-service-provided-by... checked September 26, 2026
Backs: Pricing model, Monthly fee
“when the service is automated (app) then it is free of charge”
- horizon65.com/en/faq/horizon65/where-is-horizon65-located checked September 26, 2026
Backs: Access terms
“As a digital company, we offer our services nationwide via telephone and video call”
- horizon65.com/en/imprint checked September 26, 2026
Backs: Deposit protection, Provider type, Investor protection, Regulators
Compiled from 6 source pages, checked October 21, 2026. We did not open an account.
Not confirmed yet: Minimum deposit, Stock trade fee, Account fee, Inactivity fee, Markets, Retail accounts that lose money.